Credit Analyst

Job Description

Job Title: Credit AnalystEnsure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards. Working Flexibly We re committed to providing a supportive and inclusive culture and environment for you to work in. This environment recognises and supports ways to balance your personal needs, alongside the professional needs of our business. Providing the opportunity for all our employees, globally to work flexibly empowers each of us to work in a way that suits our lives as well as enabling us to better service our customers and clients needs. Whether you have family commitments or you re a career, or whether you need study time or wish to pursue personal interests, our approach to working flexibly is designed to help you balance your life. If you would like some flexibility, then please discuss this with the hiring manager.The job holder will drive value through appropriate Risk Management of relevant credit risk analytics and strategies for the Small Business Issuing portfolio with focus on Existing Customer management. These activities include development and optimisation of credit risk strategies and processes with accountability for driving profitability and growing the portfolio within the defined risk appetite, tracking and monitoring of BPI credit risk strategy performance, providing insights and recommending improvements.What will you be doing Provide best-in-class analytics Through rigorous analysis and sound logical frameworks, support the development and optimization of various existing customer management strategies Provide insight and recommendations to Senior Credit Risk Manager in order to support in the creation of risk strategies to contain the cost of risk and achieve P&L/impairment targets. Support with in-depth monitoring of performance of certain credit policies, highlighting trends / insights and driving corrective actions. Ensure strategy and model documentation and governance remains up-to date and work with the internal validation unit to ensure models are well governed. Support external reviews of all strategies and policies (e.g. Audit, Peer review) and ensure we remain compliant as a business to all internal and external controls. Ability to source data from various data warehouses and external partners. Be creative in your approach to data analysis / performance management, obtaining insights in different ways and demonstrating expertise to provide new ways of managing portfolio risk. Constantly assess the team s performance, looking for continual improvements Respond to requests for information from senior management. Producing timely, clear and accurate data/insight to meet those requests. Assist with collation of information and analysis to support key Risk projects as and when required ensuring accurate and timely output Interacting with key stakeholders to understand requirements and to articulate findings and recommendations. Clear articulation of recommendations via appropriate approval presentations/forumsImprove Internal Processes Identify new opportunities for enhancing/ streamlining services Formulate opportunities into proposals, share with the manager and implementTeam Player Activities Work effectively with peers and management team to achieve shared business objectives Contribute to the wider colleague agenda of the Barclaycard Risk Strategy India HubWhat we re looking for: Practical experience of using analytics to solve complex business problems Passionate about data analysis and how this contributes to the business Advanced understanding of standard statistical package (SAS/SQL essential) and ExcelSkills that will help you in the role: Post-graduate degree Background in Credit Risk/ Industry knowledge (ideally experience with major international financial services firm) Extensive experience analysing programmes through the lens of Cards P&L and customer metrics.Where will you be working NoidaBe More at Barclays At Barclays, each day is about being more as a professional, and as a person. Be More @ Barclays represents our core promise to all current and future employees. It s the characteristic that we want to be associated with as an employer, and at the heart of every employee experience. We empower our colleagues to Be More Globally Connected, working on international projects that improve the way millions of customers handle their finances. Be More Inspired by working alongside the most talented people in the industry, and delivering imaginative new solutions that are redefining the future of finance. Be More Impactful by having the opportunity to work on cutting-edge projects, and Be More Valued for who you are. Interested and want to know more about Barclays Visit home.barclays/who-we-are/ for more details.Our Values Purpose and Values We deploy finance responsibly to support people and businesses, acting with empathy and integrity, championing innovation and sustainability, for the common good and the long term. Our values underpin everything we do: Respect, Integrity, Service, Excellence and Stewardship.Respect We harness the power of diversity and inclusion in our business, trust those we work with, and value everyones contribution.Integrity We operate with honesty, transparency and fairness in all we do.Service We act with empathy and humility, putting the people and businesses we serve at the centre of what we do.Excellence We champion innovation, and use our energy, expertise and resources to make a positive difference.Stewardship We prize sustainability, and are passionate about leaving things better than we found them.Our Diversity We aim to foster a culture where individuals of all backgrounds feel confident in bringing their whole selves to work, feel included and their talents are nurtured, empowering them to contribute fully to our vision and goals.Our Benefits Our customers are unique. The same goes for our colleagues. Thats why at Barclays we offer a range of benefits, allowing every colleague to choose the best options for their personal circumstances. These include a competitive salary and pension, health care and all the tools, technology and support to help you become the very best you can be. We are proud of our flexible working options for colleagues. If you have a need for flexibility, then please discuss this with us.,

Keyskills :
risk management frameworkcredit risk analyticscredit riskdata analysisrisk analyticssmall businessrisk managementconsumer bankingequipment supplywork effectively